What if the merchant does not display a QR Ph code for transactions? 08 September 2025 03:19 Updated QR Ph can only be used with merchants who display a QR Ph code. If the merchant does not have a QR Ph code, please consider another method for your transaction. Related articles What should I do if my QR Ph transaction fails? Where can I use QR Ph to make a transaction? Is it safe to use QR Ph to transact with Atome Card? How do I use QR Ph for my Atome Card transactions? What is QR Ph (for transaction)?